Terms of use

Effective October 17, 2026

These terms are a legal agreement between you and the operator of the website at fraud.ca (“fraud.ca”, “we”, “us”). They apply whenever you visit the site, create an account, or post anything on it. Please read them with our Review & community guidelines, which form part of these terms. Our Privacy policy explains how we handle personal information.

If you don’t agree with these terms, don’t use fraud.ca. By using the site you confirm that you accept them.

1. What fraud.ca is — and isn't

fraud.ca is a place where members of the public share their experiences with Canadian businesses and discuss them, alongside business listings compiled from public and open data sources.

• Reviews and posts are the opinions of the people who write them, not of fraud.ca. We don’t adopt, endorse or vouch for what members say.
• We don’t investigate or verify every claim. We check submissions against our guidelines, but we can’t confirm that every statement is true, or that every reviewer was a customer.
• We are not a party to your dealings with any business. We don’t sell anything listed here and we’re not responsible for what a business does or doesn’t do.
• We are not a consumer protection agency, a law enforcement agency or a court. If you’ve lost money to fraud, contact the Canadian Anti-Fraud Centre and your local police.
• Nothing on fraud.ca is legal, financial or professional advice. Make your own decisions and get professional advice where you need it.

2. Who can use fraud.ca

You may browse fraud.ca without an account. To create an account or post, you must be at least 18 years old (or the age of majority where you live, if higher) and able to enter into a binding agreement. You may have only one account, and you must not create an account on behalf of someone else or a business you don’t represent.

3. Your account

You sign in with a link sent to your email address. You’re responsible for keeping access to your email secure and for everything done through your account. Tell us right away at support@fraud.ca if you think someone else has used it. The display name you choose must not impersonate anyone or mislead people about who you are.

4. Your content

“Your content” means anything you submit to fraud.ca, including reviews, ratings, titles, discussion posts, replies, business responses, business details, reports, suggested edits and messages.

You keep ownership of your content. By submitting it, you give fraud.ca a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable and sublicensable licence to host, store, reproduce, display, publish, distribute, translate, format and adapt it (for example to fit a screen or a search result), and to use it to operate, improve and promote fraud.ca, in any medium now known or later developed. This licence continues after you close your account for content that was published, except where the law gives you a right to have it removed.

To the extent permitted by law, you waive any moral rights in your content in favour of fraud.ca and anyone we sublicense, including the right to be associated with it and the right to its integrity. We will normally show your content with your display name.

5. What you promise when you post

Each time you submit content, you confirm that:

• it describes your own first-hand experience (for reviews) and is honest and accurate to the best of your knowledge;
• anything presented as fact is true, and opinions are clearly your opinions;
• unless you’re posting on behalf of a business through a page you manage, you are not connected to the business (as an owner, employee, relative, contractor or competitor) and you were not paid, rewarded or pressured to write it;
• it doesn’t infringe anyone’s copyright, privacy or other rights, and you have the right to give us the licence above;
• it follows these terms, our guidelines and the law.

You are solely responsible for your content and for the consequences of posting it.

6. What isn't allowed

You must not use fraud.ca to:

• post false, misleading or fake reviews, or reviews of businesses you have a connection with;
• state as fact that a business or person committed a crime unless it’s been proven in court — describe what happened instead;
• defame, harass, threaten or bully anyone, or post hateful content;
• publish other people’s personal information (home addresses, personal phone numbers, emails, ID numbers and similar);
• advertise, spam, solicit, or post referral codes or links for commercial gain;
• offer, request or accept anything of value in exchange for a review, a change to a review or its removal;
• manipulate ratings, helpful votes or reports, including through multiple accounts or automated means;
• copy, scrape, crawl or harvest the site or its data in bulk without our written permission, except search engines following our robots.txt;
• interfere with the site’s security or operation, or try to get around any limit or block;
• break the law or help anyone else do so.

7. Moderation

We review content using automated tools — including artificial intelligence — and human review where needed, as explained in our guidelines and on How we verify. We may, at our discretion and without notice, decline to publish, ask you to change, remove, restrict or reinstate any content, and suspend or close accounts, if we believe it’s necessary to apply these terms, our guidelines, or the law.

We are not obliged to monitor content, and we are not responsible for content that members post. Our decision to publish or keep content up is not a finding that it is true.

Our commitment: we never remove, hide or change a genuine review because a business pays, asks, or disagrees with it, unless the law requires us to. If a decision about your content was made by automated means, you can ask for a person to review it by emailing support@fraud.ca.

8. Businesses listed on fraud.ca

Business listings are compiled from public and open data and from our members, and are published whether or not the business has joined fraud.ca. A listing is not an endorsement or a criticism.

Businesses and their representatives must also follow these terms. In particular, they must not post or arrange reviews of their own business or competitors, offer incentives for reviews, or ask customers to post only positive reviews. We may note on a business’s page that we’ve detected attempts to manipulate its reviews.

Claiming a page. If you claim a business’s page, you confirm that you’re authorized to act for that business and that the information you give us to verify it is true. Verification shows only that you passed our check; it isn’t an endorsement and doesn’t make us responsible for the business. You’re responsible for the accuracy of the details you publish and for your responses, which are subject to moderation like any other content. Claiming never lets you edit or remove reviews. We may refuse, suspend or revoke a claim at any time — for example if it was obtained by deception, or if the page is used to mislead readers or to pressure, threaten or identify reviewers.

9. Legal complaints about content

If you believe content on fraud.ca is unlawful — for example defamatory, or infringing your copyright or privacy — send a written notice to legal@fraud.ca with:

1. your name and contact information, and who you represent;
2. the exact web address of the content;
3. the specific statements you object to and why you believe they are unlawful, with any supporting evidence;
4. a statement that the information in your notice is accurate to the best of your knowledge.

We review complete notices and decide what action, if any, to take. We may share your notice with the person who posted the content and invite their response, and we may decide to keep content online where it appears to be lawful opinion or fair comment on a matter of public interest. We comply with court orders that are binding on us. For copyright, we follow the notice-and-notice regime of the Copyright Act. Sending a notice doesn’t by itself require us to remove content.

10. Information on the site

Business details, maps, categories and public-record information come from sources such as government registries and open data providers, which we name on our About page and, in most cases, on the business’s page. This information may be incomplete, out of date or wrong, and it may describe a different business with a similar name. Check important details with the business or the original source before relying on them. Links to other websites are provided for convenience; we’re not responsible for those sites.

11. Disclaimers

To the fullest extent permitted by law, fraud.ca is provided “as is” and “as available”, without any warranties or conditions of any kind, express or implied, including about accuracy, completeness, reliability, availability, fitness for a particular purpose or non-infringement. We don’t promise that the site will be uninterrupted, secure or error-free, or that content will be preserved.

12. Limitation of liability

To the fullest extent permitted by law, fraud.ca and its owners, directors, employees, contractors and agents will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data, goodwill or business opportunities, arising from or related to your use of the site, any content on it, or any dealings with a business — even if we were told such damages were possible.

To the fullest extent permitted by law, our total liability for any claim relating to fraud.ca is limited to one hundred Canadian dollars (CA$100).

Some laws, including consumer protection laws in Quebec and elsewhere, don’t allow some of these exclusions or limits. Where that’s the case, they apply only to the extent the law allows, and nothing in these terms limits rights you have that can’t be waived.

13. Your responsibility to us

To the extent permitted by law, you agree to defend, indemnify and hold harmless fraud.ca and its owners, directors, employees, contractors and agents from any claim, demand, loss, liability or expense (including reasonable legal fees) arising from your content, your use of the site, or your breach of these terms or of anyone’s rights.

14. Ending your use of fraud.ca

You can stop using fraud.ca and close your account at any time from your account page, or by emailing privacy@fraud.ca. We may suspend or close your account, or block access to the site, at any time if we believe you’ve broken these terms or to protect fraud.ca, its members or the public. Sections 4, 5, 9 to 13, 16 and 17 continue to apply after your account ends.

15. Changes to these terms

We may update these terms from time to time. We’ll post the new version on this page with a new effective date and, for significant changes, take reasonable steps to let you know, for example on the site or by email, and give any other notice the law requires. Changes apply from their effective date; if you keep using fraud.ca after that, you accept them.

16. Governing law and disputes

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. You and we agree to the exclusive jurisdiction of the courts of the Province of Ontario, except where consumer protection law gives you the right to bring a claim in the courts where you live. Before starting any legal proceeding, you agree to contact us at legal@fraud.ca and give us 30 days to try to resolve the matter.

17. General

These terms, together with the guidelines, are the entire agreement between you and fraud.ca about the site. If any part is found unenforceable, the rest remains in effect. If we don’t enforce a term right away, we haven’t waived it. You may not transfer your rights under these terms; we may transfer ours, for example as part of a sale or reorganization of our business. These terms are available in English and French, and both versions are equally authoritative.

18. Contact

Legal notices: legal@fraud.ca · Questions: support@fraud.ca · Privacy: privacy@fraud.ca

All notices to fraud.ca, including legal notices and demands, must be sent by email to legal@fraud.ca and take effect when received. We may send notices to you at the email address on your account or by posting them on the site.